Deleted Comment
There's a chance we'll see increased competition among higher level organisms leading to the depletion of the same low level organisms in adjacent areas until those higher levels have a die off event too allowing them to recover.
Deleted Comment
Deleted Comment
For example, I have triplets, and sometimes the only way to accomplish what’s necessary at the local maximum of time and other infants benefit and parental benefit is to physically force a squirming baby into the diaper changing table. Is this along the same lines as spanking? Is there any mitigation of those behavior impacts by explaining why I’m physically forcing something?
As always with parenting, lots of questions and basically no answers.
With spanking you are trying to affect the thought processes that lead to bad behaviour (condition them) with violence. Implicitly showing the child it's ok to use violence to get what you want. Cue tantrums, destructive tendencies, etc.
In your case you are using force (which isn't the same as violence) to achieve something. Your showing the child some things must be done whether they like it or not.
I do believe you should always explain your actions in these kind of situations because children are rational but not nuanced. You have to be much more explicit with them so they learn to understand the implicit.
Conventional credit would rather not touch this lending because it sees lower hanging fruit.
To me this explains why payday loans have higher interest without being any more predatory than other profit seeking enterprises.
By insinuating they are predatory you imply they are taking advantage of the consumers. If that's the case why isn't another company charging a more reasonable amount thereby taking over the entire market and making money?
Furthermore what's the alternative to consumers not having these loans available? It could be that they lose their car, causing them to lose their job, then their home.
Edit: I often see claims they hide their interest rate, but why would they advertise a yearly rate when the loans are intended for durations of weeks? It's like complaining that petrol isn't priced by the kilogallon.
In Johnson’s home state of Michigan, areas that are more than a quarter Black and Latino have 7.6 payday stores for every 100,000 people, or about 50% more than elsewhere, according to data collected by the Center for Responsible Lending."
Is this not the same as saying Asian communities are disproportionately targeted by stores selling Asian produce? It's just basic supply and demand right?
We like to make out that some practices are predatory but both sides of the deal agree to the terms. Doesn't this mean they both think what they are recieving is of greater value than what they are giving? how is that predatory?
You can just point them at https://skepticalscience.com/oneliners.php for a lengthy list of the arguments they're going to use and the trivial reasons why they're wrong, but it doesn't get at the core of the problem: you can't reason somebody out of a place they didn't reason themselves into.
>Studies have shown that increased concentrations of carbon dioxide increase photosynthesis, spurring plant growth.
>Results showed that carbon dioxide fertilization explains 70 percent of the greening effect, said co-author Ranga Myneni, a professor in the Department of Earth and Environment at Boston University. “The second most important driver is nitrogen, at 9 percent. So we see what an outsized role CO2 plays in this process.”
https://climate.nasa.gov/news/2436/co2-is-making-earth-green...